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OR interview today!!
dexterd
Posts: 2 Newbie
Just wanted to post a message because I found this forum incredibly helpful in answering all my little questions I had before Bankruptcy. And hopefully this may help someone else out in the future.
I had 26k worth of debt for really stupid stuff, between the ages of 18 & 28, so you can imagine I wasn't very good with money! Declared myself bankrupt 4 days ago, got a phone call 2 days later from the OR's assistant- who was an absolute !!!, and I got off the phone in tears absolutely dreading the interview!
I'd seen on here people saying their OR was lovely and really understanding and I thought I was just in for it & he was gonna be brutal with me.
I was prepared for it though, and I had all my notes and although slightly short with me, he was ok. He just went through my whole form & asked why I got into debt, what the reasons were, when I looked for advice and then through my I & E. Most stuff was fine but he dropped my phone bill from £80 to £40 (that's me and my husband). And I am 6 months pregnant so had a savings section for the baby which I had added because in reality, i have 3 months to buy absolutley everything for the baby and how will I do that with no savings??! He told me that it wasn't allowed and when I explained, he asked when it was due, when I would leave for MAT leave, when I would return, and when he realised there would be no point in an IPA, he said he would overlook it.
I do have a car worth about £2500, no finance. He said they would probably want to sell it for a cheaper one or I can get a third party to pay the difference- that's about the only downfall.
He said he would not inform my landlord (phew) as long as I send him a copy of my tenancy agreement.
So the long and short of it is- I saw everyone saying not to worry, and really, even if the OR is an !!!, keep calm, admit defeat and everything will be fine!!! He gave me a telling off at the end, I felt like a naughty little kid... but I just let him get on with it as if he wasn't telling me something I didn't already know!
Feeling like a whole new me & I can look forward to my baby coming and having Maternity leave now
Thank you for everyone's advice along the way.
I had 26k worth of debt for really stupid stuff, between the ages of 18 & 28, so you can imagine I wasn't very good with money! Declared myself bankrupt 4 days ago, got a phone call 2 days later from the OR's assistant- who was an absolute !!!, and I got off the phone in tears absolutely dreading the interview!
I'd seen on here people saying their OR was lovely and really understanding and I thought I was just in for it & he was gonna be brutal with me.
I was prepared for it though, and I had all my notes and although slightly short with me, he was ok. He just went through my whole form & asked why I got into debt, what the reasons were, when I looked for advice and then through my I & E. Most stuff was fine but he dropped my phone bill from £80 to £40 (that's me and my husband). And I am 6 months pregnant so had a savings section for the baby which I had added because in reality, i have 3 months to buy absolutley everything for the baby and how will I do that with no savings??! He told me that it wasn't allowed and when I explained, he asked when it was due, when I would leave for MAT leave, when I would return, and when he realised there would be no point in an IPA, he said he would overlook it.
I do have a car worth about £2500, no finance. He said they would probably want to sell it for a cheaper one or I can get a third party to pay the difference- that's about the only downfall.
He said he would not inform my landlord (phew) as long as I send him a copy of my tenancy agreement.
So the long and short of it is- I saw everyone saying not to worry, and really, even if the OR is an !!!, keep calm, admit defeat and everything will be fine!!! He gave me a telling off at the end, I felt like a naughty little kid... but I just let him get on with it as if he wasn't telling me something I didn't already know!
Feeling like a whole new me & I can look forward to my baby coming and having Maternity leave now
Thank you for everyone's advice along the way.
0
Comments
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Hi dexterd
Thank you for the insight and glad to hear you are feeling better for having gone through the bankruptcy process even if there were some bumpy bits during your interview. All the best for your final trimester and everything beyond it.
Dennis
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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